Medicare in Michigan

Medicare enrollment in Michigan

As of January 2026, there were 2,306,545 people enrolled in Medicare in Michigan.¹ For most people, signing up for Medicare benefits is part of turning age 65. But after receiving Social Security disability benefits for two years, a person will become eligible for Medicare, and Medicare eligibility is also triggered if a person is diagnosed with end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS).

Nationwide, almost 90% of Medicare beneficiaries are eligible due to their age, and the remaining 10% are eligible due to a disability.² In Michigan, about 11% of Medicare beneficiaries are eligible due to disability rather than age.³

Learn more about Medicare’s annual election period (October 15 to December 7), and about the Medicare Advantage Open Enrollment Period (January 1 to March 31).

Medicare Advantage plan availability and enrollment in Michigan

Medicare Advantage plans are provided by private insurers, and plan availability varies considerably across the country. Michigan’s Medicare Advantage market is robust, with an average of 50 plans available to residents in 2026. (Plan availability varies by area.)⁴

As of early 2026, over 63% of Michigan Medicare beneficiaries were enrolled in Medicare Advantage plans,³ versus just over 51% nationwide.²

Learn more about Medicare Advantage, Medicare’s annual open enrollment period, and the Medicare Advantage open enrollment period.

Medicare supplement (Medigap) enrollment and regulations in Michigan

According to an AHIP analysis, 382,269 Michigan Medicare beneficiaries had Medigap coverage as of 2023.⁵

Learn more about how Medigap plans are standardized and what they cover.

Twenty-four insurers were actively selling Medigap plans in Michigan as of 2026.⁶

People who aren’t yet 65 can enroll in Medicare if they’re disabled and have been receiving disability benefits for at least two years, and about 11% of Michigan Medicare enrollees are under age 65.⁷ Federal rules do not guarantee access to Medigap plans for people who are under 65, but the majority of the states, including Michigan, have implemented rules to ensure that disabled Medicare beneficiaries have at least some access to Medigap plans.

For at least twenty years, Michigan has had rules in place to ensure access to at least some Medigap plans for people under age 65. Current rules in Michigan (see MCL 500.3831, updated as of March 2019, to MCL 500.3831.amended) require Medigap insurers that also sell major medical health insurance to make Medigap Plans A and G (prior to 2020 this was Plan C) continuously guaranteed-issue for Medicare beneficiaries under age 65, although they can charge these enrollees higher premiums. And if the applicant did not already have major medical coverage under a plan offered by that insurer, the insurer can impose a pre-existing condition waiting period of up to six months (see MCL 500.3831(2)).

As of 2026, four insurers in Michigan offered Medigap policies (at least A and G) to people under age 65.⁶ The other 20 Medigap insurers in the state did not offer coverage to Medicare beneficiaries under age 65.

Medicare Part D plan availability and enrollment in Michigan

There are 12 stand-alone Medicare Part D prescription drug plans for sale in Michigan for 2026, with premiums starting as low as $0.⁸ As of January 2026, 1,975,688Medicare beneficiaries in Michigan had Medicare Part D prescription drug coverage. There were 1,040,053 beneficiaries with Part D coverage under Medicare Advantage plans, and 935,635 had stand-alone Medicare Part D prescription drug coverage.³

Learn how Medicare Part D prescription drug coverage works, what it pays for, how and when to enroll.